Financial gurus here?

Roll the 22k into an IRA. No tax ramifications
and don't let them just send you a check. and if they do tear it up and say you never got it. go to a financial adviser you like and have them do the paper work to have it deposited properly or your going to be in tax hell. if you take the check, the company will deduct income taxes off the top, but the IRS bastards expect you to deposit the full amount in the new account. if not...

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